Dokumen ini telah dilengkapi dengan rumus perhitungan cicilan denga metode efektif, flat, dan anuitasUntuk memakai simulasi, masukkan jumlah hutang pokok, lama pinjaman (bulan), dan bungaUntuk melihat suku bunga bank hari ini, silakan dilihat di www.sikatabis.comDokumen ini bebas dimodifikasi :)Untuk feedback, silakan kirim ke support@sikatabis.comUse only to simulate. SikatAbis.com are not responsible for any data disrepancies and andy damages

Dokumen ini telah dilengkapi dengan rumus perhitungan cicilan denga metode efektif, flat, dan anuitasUntuk memakai simulasi, masukkan jumlah hutang pokok, lama pinjaman (bulan), dan bungaUntuk melihat suku bunga bank hari ini, silakan dilihat di www.sikatabis.com

Untuk feedback, silakan kirim ke support@sikatabis.comUse only to simulate. SikatAbis.com are not responsible for any data disrepancies and andy damages

Dokumen ini telah dilengkapi dengan rumus perhitungan cicilan denga metode efektif, flat, dan anuitasUntuk memakai simulasi, masukkan jumlah hutang pokok, lama pinjaman (bulan), dan bunga

Use only to simulate. SikatAbis.com are not responsible for any data disrepancies and andy damages

BUNGA EFEKTIF(pinjaman 600 jt selama 120 bulan, bunga 10% per tahun)

Pinjaman 300,000,000 RpLama 120 BulanBunga 10% per Tahun

Bulan Saldo Pokok Cicilan Pokok Bunga Cicilan 1 297,500,000 2,500,000 2,500,000 5,000,000 2 295,000,000 2,500,000 2,479,167 4,979,167 3 292,500,000 2,500,000 2,458,333 4,958,333 4 290,000,000 2,500,000 2,437,500 4,937,500 5 287,500,000 2,500,000 2,416,667 4,916,667 6 285,000,000 2,500,000 2,395,833 4,895,833 7 282,500,000 2,500,000 2,375,000 4,875,000 8 280,000,000 2,500,000 2,354,167 4,854,167 9 277,500,000 2,500,000 2,333,333 4,833,333

10 275,000,000 2,500,000 2,312,500 4,812,500 11 272,500,000 2,500,000 2,291,667 4,791,667 12 270,000,000 2,500,000 2,270,833 4,770,833 13 267,500,000 2,500,000 2,250,000 4,750,000 14 265,000,000 2,500,000 2,229,167 4,729,167 15 262,500,000 2,500,000 2,208,333 4,708,333 16 260,000,000 2,500,000 2,187,500 4,687,500 17 257,500,000 2,500,000 2,166,667 4,666,667 18 255,000,000 2,500,000 2,145,833 4,645,833 19 252,500,000 2,500,000 2,125,000 4,625,000 20 250,000,000 2,500,000 2,104,167 4,604,167 21 247,500,000 2,500,000 2,083,333 4,583,333 22 245,000,000 2,500,000 2,062,500 4,562,500 23 242,500,000 2,500,000 2,041,667 4,541,667 24 240,000,000 2,500,000 2,020,833 4,520,833 25 237,500,000 2,500,000 2,000,000 4,500,000 26 235,000,000 2,500,000 1,979,167 4,479,167 27 232,500,000 2,500,000 1,958,333 4,458,333 28 230,000,000 2,500,000 1,937,500 4,437,500 29 227,500,000 2,500,000 1,916,667 4,416,667 30 225,000,000 2,500,000 1,895,833 4,395,833 31 222,500,000 2,500,000 1,875,000 4,375,000 32 220,000,000 2,500,000 1,854,167 4,354,167 33 217,500,000 2,500,000 1,833,333 4,333,333 34 215,000,000 2,500,000 1,812,500 4,312,500 35 212,500,000 2,500,000 1,791,667 4,291,667 36 210,000,000 2,500,000 1,770,833 4,270,833 37 207,500,000 2,500,000 1,750,000 4,250,000 38 205,000,000 2,500,000 1,729,167 4,229,167

39 202,500,000 2,500,000 1,708,333 4,208,333 40 200,000,000 2,500,000 1,687,500 4,187,500 41 197,500,000 2,500,000 1,666,667 4,166,667 42 195,000,000 2,500,000 1,645,833 4,145,833 43 192,500,000 2,500,000 1,625,000 4,125,000 44 190,000,000 2,500,000 1,604,167 4,104,167 45 187,500,000 2,500,000 1,583,333 4,083,333 46 185,000,000 2,500,000 1,562,500 4,062,500 47 182,500,000 2,500,000 1,541,667 4,041,667 48 180,000,000 2,500,000 1,520,833 4,020,833 49 177,500,000 2,500,000 1,500,000 4,000,000 50 175,000,000 2,500,000 1,479,167 3,979,167 51 172,500,000 2,500,000 1,458,333 3,958,333 52 170,000,000 2,500,000 1,437,500 3,937,500 53 167,500,000 2,500,000 1,416,667 3,916,667 54 165,000,000 2,500,000 1,395,833 3,895,833 55 162,500,000 2,500,000 1,375,000 3,875,000 56 160,000,000 2,500,000 1,354,167 3,854,167 57 157,500,000 2,500,000 1,333,333 3,833,333 58 155,000,000 2,500,000 1,312,500 3,812,500 59 152,500,000 2,500,000 1,291,667 3,791,667 60 150,000,000 2,500,000 1,270,833 3,770,833 61 147,500,000 2,500,000 1,250,000 3,750,000 62 145,000,000 2,500,000 1,229,167 3,729,167 63 142,500,000 2,500,000 1,208,333 3,708,333 64 140,000,000 2,500,000 1,187,500 3,687,500 65 137,500,000 2,500,000 1,166,667 3,666,667 66 135,000,000 2,500,000 1,145,833 3,645,833 67 132,500,000 2,500,000 1,125,000 3,625,000 68 130,000,000 2,500,000 1,104,167 3,604,167 69 127,500,000 2,500,000 1,083,333 3,583,333 70 125,000,000 2,500,000 1,062,500 3,562,500 71 122,500,000 2,500,000 1,041,667 3,541,667 72 120,000,000 2,500,000 1,020,833 3,520,833 73 117,500,000 2,500,000 1,000,000 3,500,000 74 115,000,000 2,500,000 979,167 3,479,167 75 112,500,000 2,500,000 958,333 3,458,333 76 110,000,000 2,500,000 937,500 3,437,500 77 107,500,000 2,500,000 916,667 3,416,667 78 105,000,000 2,500,000 895,833 3,395,833 79 102,500,000 2,500,000 875,000 3,375,000 80 100,000,000 2,500,000 854,167 3,354,167 81 97,500,000 2,500,000 833,333 3,333,333 82 95,000,000 2,500,000 812,500 3,312,500 83 92,500,000 2,500,000 791,667 3,291,667 84 90,000,000 2,500,000 770,833 3,270,833

85 87,500,000 2,500,000 750,000 3,250,000 86 85,000,000 2,500,000 729,167 3,229,167 87 82,500,000 2,500,000 708,333 3,208,333 88 80,000,000 2,500,000 687,500 3,187,500 89 77,500,000 2,500,000 666,667 3,166,667 90 75,000,000 2,500,000 645,833 3,145,833 91 72,500,000 2,500,000 625,000 3,125,000 92 70,000,000 2,500,000 604,167 3,104,167 93 67,500,000 2,500,000 583,333 3,083,333 94 65,000,000 2,500,000 562,500 3,062,500 95 62,500,000 2,500,000 541,667 3,041,667 96 60,000,000 2,500,000 520,833 3,020,833 97 57,500,000 2,500,000 500,000 3,000,000 98 55,000,000 2,500,000 479,167 2,979,167 99 52,500,000 2,500,000 458,333 2,958,333

100 50,000,000 2,500,000 437,500 2,937,500 101 47,500,000 2,500,000 416,667 2,916,667 102 45,000,000 2,500,000 395,833 2,895,833 103 42,500,000 2,500,000 375,000 2,875,000 104 40,000,000 2,500,000 354,167 2,854,167 105 37,500,000 2,500,000 333,333 2,833,333 106 35,000,000 2,500,000 312,500 2,812,500 107 32,500,000 2,500,000 291,667 2,791,667 108 30,000,000 2,500,000 270,833 2,770,833 109 27,500,000 2,500,000 250,000 2,750,000 110 25,000,000 2,500,000 229,167 2,729,167 111 22,500,000 2,500,000 208,333 2,708,333 112 20,000,000 2,500,000 187,500 2,687,500 113 17,500,000 2,500,000 166,667 2,666,667 114 15,000,000 2,500,000 145,833 2,645,833 115 12,500,000 2,500,000 125,000 2,625,000 116 10,000,000 2,500,000 104,167 2,604,167 117 7,500,000 2,500,000 83,333 2,583,333 118 5,000,000 2,500,000 62,500 2,562,500 119 2,500,000 2,500,000 41,667 2,541,667 120 - 2,500,000 20,833 2,520,833

BUNGA FLAT BUNGA ANUITAS(pinjaman 600 jt selama 120 bulan, bunga 5.37% per tahun) (pinjaman 600 jt selama 120 bulan, bunga 10% per tahun)

Pinjaman 600,000,000 RpLama 120 BulanBunga 5.37% per Tahun

Bulan Saldo Pokok Cicilan Pokok Bunga Cicilan Bulan 1 297,500,000 2,500,000 2,685,000 5,185,000 12 295,000,000 2,500,000 2,685,000 5,185,000 23 292,500,000 2,500,000 2,685,000 5,185,000 34 290,000,000 2,500,000 2,685,000 5,185,000 45 287,500,000 2,500,000 2,685,000 5,185,000 56 285,000,000 2,500,000 2,685,000 5,185,000 67 282,500,000 2,500,000 2,685,000 5,185,000 78 280,000,000 2,500,000 2,685,000 5,185,000 89 277,500,000 2,500,000 2,685,000 5,185,000 9

10 275,000,000 2,500,000 2,685,000 5,185,000 1011 272,500,000 2,500,000 2,685,000 5,185,000 1112 270,000,000 2,500,000 2,685,000 5,185,000 1213 267,500,000 2,500,000 2,685,000 5,185,000 1314 265,000,000 2,500,000 2,685,000 5,185,000 1415 262,500,000 2,500,000 2,685,000 5,185,000 1516 260,000,000 2,500,000 2,685,000 5,185,000 1617 257,500,000 2,500,000 2,685,000 5,185,000 1718 255,000,000 2,500,000 2,685,000 5,185,000 1819 252,500,000 2,500,000 2,685,000 5,185,000 1920 250,000,000 2,500,000 2,685,000 5,185,000 2021 247,500,000 2,500,000 2,685,000 5,185,000 2122 245,000,000 2,500,000 2,685,000 5,185,000 2223 242,500,000 2,500,000 2,685,000 5,185,000 2324 240,000,000 2,500,000 2,685,000 5,185,000 2425 237,500,000 2,500,000 2,685,000 5,185,000 2526 235,000,000 2,500,000 2,685,000 5,185,000 2627 232,500,000 2,500,000 2,685,000 5,185,000 2728 230,000,000 2,500,000 2,685,000 5,185,000 2829 227,500,000 2,500,000 2,685,000 5,185,000 2930 225,000,000 2,500,000 2,685,000 5,185,000 3031 222,500,000 2,500,000 2,685,000 5,185,000 3132 220,000,000 2,500,000 2,685,000 5,185,000 3233 217,500,000 2,500,000 2,685,000 5,185,000 3334 215,000,000 2,500,000 2,685,000 5,185,000 3435 212,500,000 2,500,000 2,685,000 5,185,000 3536 210,000,000 2,500,000 2,685,000 5,185,000 3637 207,500,000 2,500,000 2,685,000 5,185,000 3738 205,000,000 2,500,000 2,685,000 5,185,000 38

39 202,500,000 2,500,000 2,685,000 5,185,000 3940 200,000,000 2,500,000 2,685,000 5,185,000 4041 197,500,000 2,500,000 2,685,000 5,185,000 4142 195,000,000 2,500,000 2,685,000 5,185,000 4243 192,500,000 2,500,000 2,685,000 5,185,000 4344 190,000,000 2,500,000 2,685,000 5,185,000 4445 187,500,000 2,500,000 2,685,000 5,185,000 4546 185,000,000 2,500,000 2,685,000 5,185,000 4647 182,500,000 2,500,000 2,685,000 5,185,000 4748 180,000,000 2,500,000 2,685,000 5,185,000 4849 177,500,000 2,500,000 2,685,000 5,185,000 4950 175,000,000 2,500,000 2,685,000 5,185,000 5051 172,500,000 2,500,000 2,685,000 5,185,000 5152 170,000,000 2,500,000 2,685,000 5,185,000 5253 167,500,000 2,500,000 2,685,000 5,185,000 5354 165,000,000 2,500,000 2,685,000 5,185,000 5455 162,500,000 2,500,000 2,685,000 5,185,000 5556 160,000,000 2,500,000 2,685,000 5,185,000 5657 157,500,000 2,500,000 2,685,000 5,185,000 5758 155,000,000 2,500,000 2,685,000 5,185,000 5859 152,500,000 2,500,000 2,685,000 5,185,000 5960 150,000,000 2,500,000 2,685,000 5,185,000 6061 147,500,000 2,500,000 2,685,000 5,185,000 6162 145,000,000 2,500,000 2,685,000 5,185,000 6263 142,500,000 2,500,000 2,685,000 5,185,000 6364 140,000,000 2,500,000 2,685,000 5,185,000 6465 137,500,000 2,500,000 2,685,000 5,185,000 6566 135,000,000 2,500,000 2,685,000 5,185,000 6667 132,500,000 2,500,000 2,685,000 5,185,000 6768 130,000,000 2,500,000 2,685,000 5,185,000 6869 127,500,000 2,500,000 2,685,000 5,185,000 6970 125,000,000 2,500,000 2,685,000 5,185,000 7071 122,500,000 2,500,000 2,685,000 5,185,000 7172 120,000,000 2,500,000 2,685,000 5,185,000 7273 117,500,000 2,500,000 2,685,000 5,185,000 7374 115,000,000 2,500,000 2,685,000 5,185,000 7475 112,500,000 2,500,000 2,685,000 5,185,000 7576 110,000,000 2,500,000 2,685,000 5,185,000 7677 107,500,000 2,500,000 2,685,000 5,185,000 7778 105,000,000 2,500,000 2,685,000 5,185,000 7879 102,500,000 2,500,000 2,685,000 5,185,000 7980 100,000,000 2,500,000 2,685,000 5,185,000 8081 97,500,000 2,500,000 2,685,000 5,185,000 8182 95,000,000 2,500,000 2,685,000 5,185,000 8283 92,500,000 2,500,000 2,685,000 5,185,000 8384 90,000,000 2,500,000 2,685,000 5,185,000 84

85 87,500,000 2,500,000 2,685,000 5,185,000 8586 85,000,000 2,500,000 2,685,000 5,185,000 8687 82,500,000 2,500,000 2,685,000 5,185,000 8788 80,000,000 2,500,000 2,685,000 5,185,000 8889 77,500,000 2,500,000 2,685,000 5,185,000 8990 75,000,000 2,500,000 2,685,000 5,185,000 9091 72,500,000 2,500,000 2,685,000 5,185,000 9192 70,000,000 2,500,000 2,685,000 5,185,000 9293 67,500,000 2,500,000 2,685,000 5,185,000 9394 65,000,000 2,500,000 2,685,000 5,185,000 9495 62,500,000 2,500,000 2,685,000 5,185,000 9596 60,000,000 2,500,000 2,685,000 5,185,000 9697 57,500,000 2,500,000 2,685,000 5,185,000 9798 55,000,000 2,500,000 2,685,000 5,185,000 9899 52,500,000 2,500,000 2,685,000 5,185,000 99

100 50,000,000 2,500,000 2,685,000 5,185,000 100101 47,500,000 2,500,000 2,685,000 5,185,000 101102 45,000,000 2,500,000 2,685,000 5,185,000 102103 42,500,000 2,500,000 2,685,000 5,185,000 103104 40,000,000 2,500,000 2,685,000 5,185,000 104105 37,500,000 2,500,000 2,685,000 5,185,000 105106 35,000,000 2,500,000 2,685,000 5,185,000 106107 32,500,000 2,500,000 2,685,000 5,185,000 107108 30,000,000 2,500,000 2,685,000 5,185,000 108109 27,500,000 2,500,000 2,685,000 5,185,000 109110 25,000,000 2,500,000 2,685,000 5,185,000 110111 22,500,000 2,500,000 2,685,000 5,185,000 111112 20,000,000 2,500,000 2,685,000 5,185,000 112113 17,500,000 2,500,000 2,685,000 5,185,000 113114 15,000,000 2,500,000 2,685,000 5,185,000 114115 12,500,000 2,500,000 2,685,000 5,185,000 115116 10,000,000 2,500,000 2,685,000 5,185,000 116117 7,500,000 2,500,000 2,685,000 5,185,000 117118 5,000,000 2,500,000 2,685,000 5,185,000 118119 2,500,000 2,500,000 2,685,000 5,185,000 119120 - 2,500,000 2,685,000 5,185,000 120

BUNGA ANUITAS(pinjaman 600 jt selama 120 bulan, bunga 10% per tahun)

Pinjaman 600,000,000 RpLama 120 BulanBunga 10.00% per Tahun

Saldo Pokok Cicilan Pokok Bunga Cicilan 597,070,956 2,929,044 5,000,000 7,929,044 594,117,503 2,953,453 4,975,591 7,929,044 591,139,438 2,978,065 4,950,979 7,929,044 588,136,556 3,002,882 4,926,162 7,929,044 585,108,649 3,027,906 4,901,138 7,929,044 582,055,511 3,053,139 4,875,905 7,929,044 578,976,929 3,078,582 4,850,463 7,929,044 575,872,692 3,104,236 4,824,808 7,929,044 572,742,587 3,130,105 4,798,939 7,929,044 569,586,398 3,156,189 4,772,855 7,929,044 566,403,907 3,182,491 4,746,553 7,929,044 563,194,895 3,209,012 4,720,033 7,929,044 559,959,142 3,235,753 4,693,291 7,929,044 556,696,424 3,262,718 4,666,326 7,929,044 553,406,517 3,289,907 4,639,137 7,929,044 550,089,193 3,317,323 4,611,721 7,929,044 546,744,226 3,344,968 4,584,077 7,929,044 543,371,384 3,372,842 4,556,202 7,929,044 539,970,434 3,400,949 4,528,095 7,929,044 536,541,144 3,429,291 4,499,754 7,929,044 533,083,276 3,457,868 4,471,176 7,929,044 529,596,592 3,486,684 4,442,361 7,929,044 526,080,853 3,515,739 4,413,305 7,929,044 522,535,816 3,545,037 4,384,007 7,929,044 518,961,237 3,574,579 4,354,465 7,929,044 515,356,869 3,604,367 4,324,677 7,929,044 511,722,466 3,634,404 4,294,641 7,929,044 508,057,775 3,664,690 4,264,354 7,929,044 504,362,546 3,695,229 4,233,815 7,929,044 500,636,523 3,726,023 4,203,021 7,929,044 496,879,450 3,757,073 4,171,971 7,929,044 493,091,068 3,788,382 4,140,662 7,929,044 489,271,116 3,819,952 4,109,092 7,929,044 485,419,331 3,851,785 4,077,259 7,929,044 481,535,448 3,883,883 4,045,161 7,929,044 477,619,199 3,916,249 4,012,795 7,929,044 473,670,315 3,948,884 3,980,160 7,929,044 469,688,523 3,981,792 3,947,253 7,929,044

465,673,550 4,014,973 3,914,071 7,929,044 461,625,118 4,048,431 3,880,613 7,929,044 457,542,950 4,082,168 3,846,876 7,929,044 453,426,764 4,116,186 3,812,858 7,929,044 449,276,276 4,150,488 3,778,556 7,929,044 445,091,201 4,185,075 3,743,969 7,929,044 440,871,250 4,219,951 3,709,093 7,929,044 436,616,133 4,255,117 3,673,927 7,929,044 432,325,556 4,290,576 3,638,468 7,929,044 427,999,225 4,326,331 3,602,713 7,929,044 423,636,841 4,362,384 3,566,660 7,929,044 419,238,104 4,398,737 3,530,307 7,929,044 414,802,711 4,435,393 3,493,651 7,929,044 410,330,356 4,472,355 3,456,689 7,929,044 405,820,731 4,509,625 3,419,420 7,929,044 401,273,526 4,547,205 3,381,839 7,929,044 396,688,428 4,585,098 3,343,946 7,929,044 392,065,121 4,623,307 3,305,737 7,929,044 387,403,286 4,661,835 3,267,209 7,929,044 382,702,602 4,700,683 3,228,361 7,929,044 377,962,747 4,739,856 3,189,188 7,929,044 373,183,392 4,779,355 3,149,690 7,929,044 368,364,209 4,819,183 3,109,862 7,929,044 363,504,867 4,859,342 3,069,702 7,929,044 358,605,030 4,899,837 3,029,207 7,929,044 353,664,361 4,940,669 2,988,375 7,929,044 348,682,520 4,981,841 2,947,203 7,929,044 343,659,163 5,023,357 2,905,688 7,929,044 338,593,945 5,065,218 2,863,826 7,929,044 333,486,517 5,107,428 2,821,616 7,929,044 328,336,527 5,149,990 2,779,054 7,929,044 323,143,621 5,192,906 2,736,138 7,929,044 317,907,440 5,236,181 2,692,864 7,929,044 312,627,625 5,279,816 2,649,229 7,929,044 307,303,811 5,323,814 2,605,230 7,929,044 301,935,631 5,368,179 2,560,865 7,929,044 296,522,718 5,412,914 2,516,130 7,929,044 291,064,696 5,458,022 2,471,023 7,929,044 285,561,191 5,503,505 2,425,539 7,929,044 280,011,823 5,549,368 2,379,677 7,929,044 274,416,211 5,595,612 2,333,432 7,929,044 268,773,968 5,642,242 2,286,802 7,929,044 263,084,707 5,689,261 2,239,783 7,929,044 257,348,036 5,736,672 2,192,373 7,929,044 251,563,558 5,784,477 2,144,567 7,929,044 245,730,877 5,832,681 2,096,363 7,929,044

239,849,590 5,881,287 2,047,757 7,929,044 233,919,293 5,930,298 1,998,747 7,929,044 227,939,576 5,979,717 1,949,327 7,929,044 221,910,028 6,029,548 1,899,496 7,929,044 215,830,234 6,079,794 1,849,250 7,929,044 209,699,775 6,130,459 1,798,585 7,929,044 203,518,229 6,181,546 1,747,498 7,929,044 197,285,170 6,233,059 1,695,985 7,929,044 191,000,169 6,285,001 1,644,043 7,929,044 184,662,793 6,337,376 1,591,668 7,929,044 178,272,605 6,390,188 1,538,857 7,929,044 171,829,166 6,443,439 1,485,605 7,929,044 165,332,032 6,497,134 1,431,910 7,929,044 158,780,754 6,551,277 1,377,767 7,929,044 152,174,883 6,605,871 1,323,173 7,929,044 145,513,963 6,660,920 1,268,124 7,929,044 138,797,535 6,716,428 1,212,616 7,929,044 132,025,137 6,772,398 1,156,646 7,929,044 125,196,302 6,828,835 1,100,209 7,929,044 118,310,561 6,885,742 1,043,303 7,929,044 111,367,438 6,943,123 985,921 7,929,044 104,366,455 7,000,982 928,062 7,929,044 97,307,132 7,059,324 869,720 7,929,044 90,188,980 7,118,151 810,893 7,929,044 83,011,511 7,177,469 751,575 7,929,044 75,774,229 7,237,282 691,763 7,929,044 68,476,637 7,297,592 631,452 7,929,044 61,118,231 7,358,406 570,639 7,929,044 53,698,506 7,419,726 509,319 7,929,044 46,216,949 7,481,557 447,488 7,929,044 38,673,046 7,543,903 385,141 7,929,044 31,066,277 7,606,769 322,275 7,929,044 23,396,119 7,670,159 258,886 7,929,044 15,662,042 7,734,077 194,968 7,929,044 7,863,515 7,798,527 130,517 7,929,044 0 7,863,515 65,529 7,929,044